The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$27,708
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,569
−HK$876/mo
Today · 4.125%
HK$29,445
baseline
▲ 0.50% · 4.625%
HK$31,237
+HK$1,792/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,890/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,824
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,651
−HK$839/mo
Today · 4.125%
HK$32,490
baseline
▲ 0.50% · 4.625%
HK$34,202
+HK$1,712/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$64,980/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,249
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,283
−HK$1,051/mo
Today · 4.125%
HK$35,334
baseline
▲ 0.50% · 4.625%
HK$37,484
+HK$2,150/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$70,668/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,989
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,981
−HK$1,007/mo
Today · 4.125%
HK$38,988
baseline
▲ 0.50% · 4.625%
HK$41,043
+HK$2,055/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$77,976/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,791
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$39,997
−HK$1,226/mo
Today · 4.125%
HK$41,223
baseline
▲ 0.50% · 4.625%
HK$43,731
+HK$2,508/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$82,446/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,154
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,311
−HK$1,175/mo
Today · 4.125%
HK$45,486
baseline
▲ 0.50% · 4.625%
HK$47,883
+HK$2,397/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$90,972/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,874
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$51,425
−HK$1,576/mo
Today · 4.125%
HK$53,001
baseline
▲ 0.50% · 4.625%
HK$56,226
+HK$3,225/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$106,002/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,484
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$56,972
−HK$1,509/mo
Today · 4.125%
HK$58,481
baseline
▲ 0.50% · 4.625%
HK$61,564
+HK$3,083/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$116,962/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,665 · Scale 2, in force from 26 Feb 2026)